Just dived into SA.. not a lot still.

Have only been doing FSM for a few years liao.. got ups and downs but overall still positive and better than FD etc.

Want to ask sifu how do I actually DIY invest into ETF? I want to start going all out myself because actually its quite easy to just rebalanced once or twice a year.. but after some reading seems like quite complicated as we need to go through forex etc., and also the rate that any platform charging now is quite expensive (min 0.5% PA), and thats a lot when they are just rebalancing few times a year

Depends on your needs and appetite.. Everything come with risk
Risk the 10% for even more compounding interest, or to cash out and spend the 10%.. your choice.

How different is the proposed product for HNWI compared to low? Or just what you think?

What do you mean by thematic portfolios?

Also will they roll out the new products in SG market first to test waters or just global release? Thanks

Sorry I phrased it very wrongly, not meaning to offend you. Actually the question I wanted to ask was how different is the plan for high vs low income, and/or what do you think about the plan/difference?

My personal opinion is that DCA is to reduce the fluctuation of price movement by investing in consistently within a consistent period.. so DCA can be practiced weekly, biweekly or even monthly

One other factor you might want to consider is what do you do with your cash on hand while waiting for the lump sum?

Example scenario: Assuming you can save 1k/month from your salary, so the scenario is lump sum 12k after a year of saving vs. DCA 12k (1k/month). If you choose to lump sum you are not really doing anything with your 11k for the first 11 months, other than maybe short term fixed deposits or other short term investments.

The case studies all assume that you have that much of cash on hand at the first place to be available to lump sum. If thats the case then it would be fairer to compare two types of investment - diversify into multiple investments, or YOLO into one type of investment only.

Was just about to ask that.

All dividends of US-listed securities are subject to 30% dividend withholding tax and the QII (Qualified Interest Income) rule. The latter rule applies to US domiciled funds, especially US government bonds, of which some of the dividend withholding taxes can be claimed back. Our broker will do this on your behalf.

Didn’t mention which one can ‘claim back’ which one can’t

Thats good to hear thanks honsiong